{"id":14992,"date":"2020-10-12T06:00:00","date_gmt":"2020-10-12T04:00:00","guid":{"rendered":"https:\/\/rethink-p2p.de\/bondora-experience-why-there-are-better-alternatives-in-2023\/"},"modified":"2026-07-17T19:09:21","modified_gmt":"2026-07-17T17:09:21","slug":"bondora-review","status":"publish","type":"page","link":"https:\/\/rethink-p2p.de\/en\/bondora-review\/","title":{"rendered":"Bondora Review 2026"},"content":{"rendered":"<p><span style=\"font-size: 1.125rem;\"><span class=\"rtp-aktualisiert\">Last Update: 14 August 2026<\/span><\/span><\/p>\r\n<p><span style=\"font-size: 1.125rem;\">\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#f9f9f9;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"padding:16px 20px 20px;\">\n       <div style=\"font-weight:700;font-size:1.1em;margin:0 0 -8px 0;padding:0;line-height:1.4;\">\n          Key Takeaways\n        <\/div>\n        <div style=\"margin-top:2px;\"><\/span><\/p>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">Bondora was founded 2008 in Estonia and is therefore one of the most experienced P2P platforms in Europe. The platform currently manages EUR 500+ million from more than 500,000 investors.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><a href=\"https:\/\/rethink-p2p.de\/en\/bondora-go-and-grow-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Bondora Go &amp; Grow<\/strong><\/a> is one of the most popular investment products in the European P2P market: Fixed return of 6% p.a., daily liquidity, and a simple user experience with no manual loan selection.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">The Bondora Group has been continuously profitable since 2017 and ranks among the financially strongest companies in the European P2P market.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">Bondora operates as an investment platform without a product-specific regulatory licence and does not offer deposit protection.<\/span>\n    <\/div><\/div>\n      <\/div>\n    <\/div>\r\n<div class=\"su-note\"  style=\"border-color:#002042;\"><div class=\"su-note-inner su-u-clearfix su-u-trim\" style=\"background-color:#1a3a5c;border-color:#e6ffff;color:#ffffff;\">Update April 2026: Go &amp; Grow is being spun off from the Bondora Group as an independent company (Go&amp;Grow O\u00dc). For investors, nothing changes operationally for the time being. My personal assessment on this decision: <a href=\"https:\/\/rethink-p2p.de\/en\/go-and-grow-independent-bondora-spinoff\/\" target=\"_blank\" rel=\"noopener\">Go &amp; Grow Goes Independent: Why Is Bondora Spinning It Off?<\/a><\/div><\/div>\r\n<style>\n        .rtp-sitg{display:flex;align-items:center;gap:22px;border-radius:8px;box-shadow:0 2px 8px rgba(0,0,0,0.08);padding:18px 22px;margin:1.5rem 0;}\n        .rtp-sitg-body{flex:1;min-width:0;}\n        .rtp-sitg-title{font-weight:700;font-size:1.1em;color:#222;margin-bottom:6px;line-height:1.2;}\n        .rtp-sitg-text{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n        .rtp-sitg-note{font-size:12px;color:#999;margin-top:6px;}\n        .rtp-sitg-btn{background:#262521;color:#fff !important;padding:13px 34px;border-radius:10px;font-size:16px;font-weight:700;text-decoration:none !important;white-space:nowrap;flex-shrink:0;transition:background .2s ease;}\n        .rtp-sitg-btn:hover{background:#14120f !important;color:#fff !important;text-decoration:none !important;}\n        @media(max-width:600px){\n          .rtp-sitg{flex-direction:column;align-items:stretch;gap:14px;}\n          .rtp-sitg-title{text-align:center;}\n          .rtp-sitg-btn{align-self:center;}\n        }\n        <\/style>\n    <div class=\"rtp-sitg\" style=\"background:#f7f7f7;border:1px solid #c8c8c8;\">\n      <div class=\"rtp-sitg-body\">\n        <div class=\"rtp-sitg-title\">Skin in the Game<\/div>\n        <p class=\"rtp-sitg-text\">I am invested with my own funds at Bondora since June 2018. Since then, I achieved a total return (XIRR) of 6,32%. My outstanding portfolio on the platform stands at 26.622 \u20ac.<\/p><\/div>\n      <a class=\"rtp-sitg-btn\" href=\"https:\/\/rethink-p2p.de\/en\/p2p-portfolio\/\" target=\"_blank\" rel=\"noopener\">My Portfolio<\/a>\n    <\/div>\r\n<hr \/>\r\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_67_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rethink-p2p.de\/en\/bondora-review\/#What_is_Bondora\" title=\"What is Bondora?\">What is Bondora?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rethink-p2p.de\/en\/bondora-review\/#Shareholder_and_Management\" title=\"Shareholder and Management\">Shareholder and Management<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rethink-p2p.de\/en\/bondora-review\/#Sign_Up_and_Bonus\" title=\"Sign Up and Bonus\">Sign Up and Bonus<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rethink-p2p.de\/en\/bondora-review\/#Investing_on_Bondora\" title=\"Investing on Bondora\">Investing on Bondora<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rethink-p2p.de\/en\/bondora-review\/#Bondora_Taxes\" title=\"Bondora Taxes\">Bondora Taxes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rethink-p2p.de\/en\/bondora-review\/#Bondora_Risks\" title=\"Bondora Risks\">Bondora Risks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rethink-p2p.de\/en\/bondora-review\/#Advantages_and_Disadvantages\" title=\"Advantages and Disadvantages\">Advantages and Disadvantages<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/rethink-p2p.de\/en\/bondora-review\/#Summary_Bondora_Review\" title=\"Summary Bondora Review\">Summary Bondora Review<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/rethink-p2p.de\/en\/bondora-review\/#FAQ_Bondora_Review\" title=\"FAQ Bondora Review\">FAQ Bondora Review<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_Bondora\"><\/span><span style=\"color: #000000;\"><strong>What is <\/strong><\/span><strong>Bondora?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p><a href=\"http:\/\/bit.ly\/rethinkp2p-go-bondora\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-11292 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Bondora-Erfahrungen-Logo.jpg\" alt=\"bondora-logo\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-11292 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Bondora-Erfahrungen-Logo.jpg\" alt=\"bondora-logo\" width=\"300\" height=\"169\" \/><\/noscript><\/a><\/p>\r\n<p>Bondora is an Estonian P2P platform, founded in March 2008, where investors can invest in a variety of European consumer loans and earn a return of up to 6%. Considering its long history, the company is one of the oldest and most experienced P2P platforms in Europe.<\/p>\r\n<p>Thanks to its many years of market experience, Bondora has earned a reputation as a crisis-tested and reliable P2P platform. The support of satisfied Bondora investors shows regularly at the <a href=\"https:\/\/rethink-p2p.de\/community-voting\/\" target=\"_blank\" rel=\"noopener\"><strong>P2P Community Voting<\/strong><\/a>, which leads to top rankings every year.<\/p>\r\n<p>The <a href=\"https:\/\/rethink-p2p.de\/en\/bondora-go-and-grow-review\/\"><strong>Bondora Go &amp; Grow<\/strong><\/a> product launched in 2018 is particularly popular, as it promises investors a fixed return of 6%, with easy to use handling and daily liquidity.<\/p>\r\n<h3 class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Bondora at a Glance<\/strong><\/h3>\r\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">All key facts and figures about Bondora at a glance.<\/p>\r\n<div class=\"su-table su-table-alternate\">\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td><strong>Founded:<\/strong><\/td>\r\n<td>2008<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Legal Name:<\/strong><\/td>\r\n<td>Bondora Capital O\u00dc (<a href=\"https:\/\/ariregister.rik.ee\/est\/company\/12831506\/Bondora-Capital-O%C3%9C\" target=\"_blank\" rel=\"noopener\"><strong>LINK<\/strong><\/a>)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Headquarter:<\/strong><\/td>\r\n<td>Tallinn, Estonia<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Regulated:<\/strong><\/td>\r\n<td>No\u00a0<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>CEO:<\/strong><\/td>\r\n<td><a href=\"https:\/\/www.linkedin.com\/in\/parteltomberg\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>P\u00e4rtel Tomberg<\/strong><\/a> (December 2007)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Assets Under Management:<\/strong><\/td>\r\n<td><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Number of Investors:<\/strong><\/td>\r\n<td><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Expected Return:<\/strong><\/td>\r\n<td><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Risk Score:<\/strong><\/td>\r\n<td> | <a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-risk\/\" target=\"_blank\" rel=\"noopener\"><strong>View Methodology<\/strong><\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Primary Loan Type:<\/strong><\/td>\r\n<td>Consumer Loans<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Collateral:<\/strong><\/td>\r\n<td>No<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<h3><strong>The Origin Story<\/strong><\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/bondora-erfahrungen-ceo-partel-tomberg-entstehungsgeschichte.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-21634 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/bondora-erfahrungen-ceo-partel-tomberg-entstehungsgeschichte.jpg\" alt=\"bondora-review-ceo-partel-tomberg\" width=\"400\" height=\"490\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/bondora-erfahrungen-ceo-partel-tomberg-entstehungsgeschichte.jpg 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/bondora-erfahrungen-ceo-partel-tomberg-entstehungsgeschichte-245x300.jpg 245w\" data-sizes=\"(max-width: 400px) 100vw, 400px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 400px; --smush-placeholder-aspect-ratio: 400\/490;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-21634\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/bondora-erfahrungen-ceo-partel-tomberg-entstehungsgeschichte.jpg\" alt=\"bondora-review-ceo-partel-tomberg\" width=\"400\" height=\"490\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/bondora-erfahrungen-ceo-partel-tomberg-entstehungsgeschichte.jpg 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/bondora-erfahrungen-ceo-partel-tomberg-entstehungsgeschichte-245x300.jpg 245w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/noscript><\/a>While studying in England, on a bus trip from Oxford to Bristol, P\u00e4rtel Tomberg, who was only 19 at the time, stumbled across an article in the Economist. The article was about the British P2P platform Zopa, the world&#8217;s first marketplace for P2P loans.<\/p>\r\n<p>P\u00e4rtel was attracted by this story because lending by non-banks had been little known until then and because there seemed to be an ever-increasing need for it.<\/p>\r\n<p>Increasing digitalisation, which has made it possible to automate complex business processes, but also the stricter regulations on lending for traditional banks, which arose as a result of the financial crisis, were two important trends that played into the Bondora CEO&#8217;s hands.<\/p>\r\n<p>P\u00e4rtel Tomberg completed the first business plan by the end of 2007. The knowledge about marketing, the credit system or the acquisition of investors was added and covered by the later co-founders.<\/p>\r\n<h3>Business Model\u00a0<\/h3>\r\n<p>Bondora is an Estonian P2P platform that finances unsecured consumer loans in Europe. However, the company increasingly sees itself on the path toward becoming a licensed banking institution. According to CEO P\u00e4rtel Tomberg (May 2024), Bondora aims to obtain a banking license in continental Europe within the next five years.<\/p>\r\n<p>To get there, the company has already hired staff with banking backgrounds in order to prepare for the transition and to be able to meet future requirements. Tomberg sees the added value in two areas: A state-guaranteed deposit insurance for investors, as well as easier expansion across Europe, combined with portfolio diversification and the balancing of geographic and macroeconomic risks.<\/p>\r\n<p><iframe loading=\"lazy\" title=\"BONDORA Podcast \u274c Go &amp; Grow Transparency \u274c Performance Issues Loan Book \u274c Banking License\" width=\"810\" height=\"456\" data-src=\"https:\/\/www.youtube.com\/embed\/4f_goq4uedk?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" data-load-mode=\"1\"><\/iframe><\/p>\r\n<p>According to the 2024 annual report, Bondora divides its revenue into &#8220;Contracts with Customers&#8221; and &#8220;Other Revenue.&#8221; The largest share comes from agreements with borrowers. On one side, there is the loan management fee (EUR 26.8 million; 4% of the original loan amount annually), and on the other side is the commission income from loan brokerage (EUR 9.5 million; a fixed fee of 5.95% of the loan amount, due at the start of the term).<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Erfahrungen-Monetarisierung-Bondora-Review-Monetization-Bondora-Opiniones-Bondora-Avis-2025.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-26961 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Erfahrungen-Monetarisierung-Bondora-Review-Monetization-Bondora-Opiniones-Bondora-Avis-2025.png\" alt=\"Bondora-Review-Monetization\" width=\"1000\" height=\"374\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Erfahrungen-Monetarisierung-Bondora-Review-Monetization-Bondora-Opiniones-Bondora-Avis-2025.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Erfahrungen-Monetarisierung-Bondora-Review-Monetization-Bondora-Opiniones-Bondora-Avis-2025-300x112.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Erfahrungen-Monetarisierung-Bondora-Review-Monetization-Bondora-Opiniones-Bondora-Avis-2025-768x287.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/374;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-26961\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Erfahrungen-Monetarisierung-Bondora-Review-Monetization-Bondora-Opiniones-Bondora-Avis-2025.png\" alt=\"Bondora-Review-Monetization\" width=\"1000\" height=\"374\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Erfahrungen-Monetarisierung-Bondora-Review-Monetization-Bondora-Opiniones-Bondora-Avis-2025.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Erfahrungen-Monetarisierung-Bondora-Review-Monetization-Bondora-Opiniones-Bondora-Avis-2025-300x112.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Erfahrungen-Monetarisierung-Bondora-Review-Monetization-Bondora-Opiniones-Bondora-Avis-2025-768x287.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>Further revenue sources are additional services (EUR 15.1 million), among them the fee for Bsecure \u2013 a service that allows borrowers, for EUR 10 per month, to flexibly adjust the installment payment date or the loan term. Smaller items consist of other revenue (EUR 775,000) and claimed court fees (EUR 374,000).<\/p>\r\n<h3><strong>Bondora On-Site Visit<\/strong><\/h3>\r\n<p>There have been two in-person meetings with the Bondora team in Tallinn. The first took place in October 2018, the second in May 2024.<\/p>\r\n<p>On both occasions, I had the opportunity to speak with Bondora founder and CEO P\u00e4rtel Tomberg. The 2024 conversation was particularly substantive, covering topics such as the lack of transparency around Go &amp; Grow, the performance of the loan portfolio and the company&#8217;s plans to obtain a banking licence.\u00a0<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Shareholder_and_Management\"><\/span>Shareholder and Management<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Who are the main shareholders and management executives behind Bondora? Let&#8217;s have a look!<\/p>\r\n<h3>Bondora <span style=\"color: #000000;\"><strong>Shareholder<\/strong><\/span><\/h3>\r\n<p>Who owns Bondora? The P2P platform is operated by &#8220;Bondora Capital O\u00dc&#8221;. This company in turn belongs to the parent company &#8220;Bondora Group AS&#8221;.<\/p>\r\n<p>A look at the Estonian company register reveals that CEO &amp; Bondora founder P\u00e4rtel Tomberg, through his company &#8220;TOMBERG MANAGEMENT &amp; CONSULTING GROUP O\u00dc&#8221;, holds a total of 51.8% of the shares in this company and is also the ultimate beneficiary.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Bondora-Erfahrungen-Gesellschafter-Bondora-Review-Ownership.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-22422 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Bondora-Erfahrungen-Gesellschafter-Bondora-Review-Ownership.png\" alt=\"Bondora-Review-Ownership\" width=\"1000\" height=\"267\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Bondora-Erfahrungen-Gesellschafter-Bondora-Review-Ownership.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Bondora-Erfahrungen-Gesellschafter-Bondora-Review-Ownership-300x80.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Bondora-Erfahrungen-Gesellschafter-Bondora-Review-Ownership-768x205.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/267;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-22422\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Bondora-Erfahrungen-Gesellschafter-Bondora-Review-Ownership.png\" alt=\"Bondora-Review-Ownership\" width=\"1000\" height=\"267\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Bondora-Erfahrungen-Gesellschafter-Bondora-Review-Ownership.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Bondora-Erfahrungen-Gesellschafter-Bondora-Review-Ownership-300x80.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Bondora-Erfahrungen-Gesellschafter-Bondora-Review-Ownership-768x205.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>The second largest shareholder is the Portuguese &#8220;Joao Pinto Da Silva Monteiro&#8221;, who owns approx. 24.4% of the shares. The third shareholder, with just under 23.8% of the shares, is the German &#8220;European Founders Fund GmbH &amp; Co. Beteiligungs KG&#8221;.<\/p>\r\n<p><strong style=\"color: revert; font-size: 1.5rem; font-family: var(--text-font);\">Bondora Management<\/strong><\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Erfahrungen-CEO.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-15004 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Erfahrungen-CEO.png\" alt=\"bondora-review-ceo\" width=\"250\" height=\"250\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Erfahrungen-CEO.png 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Erfahrungen-CEO-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Erfahrungen-CEO-150x150.png 150w\" data-sizes=\"(max-width: 250px) 100vw, 250px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 250px; --smush-placeholder-aspect-ratio: 250\/250;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-15004\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Erfahrungen-CEO.png\" alt=\"bondora-review-ceo\" width=\"250\" height=\"250\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Erfahrungen-CEO.png 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Erfahrungen-CEO-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Erfahrungen-CEO-150x150.png 150w\" sizes=\"(max-width: 250px) 100vw, 250px\" \/><\/noscript><\/a><strong><a href=\"https:\/\/www.linkedin.com\/in\/parteltomberg\/\" target=\"_blank\" rel=\"noopener noreferrer\">P\u00e4rtel Tomberg<\/a><\/strong> is the CEO and the face of Bondora. Born in Estonia and raised in Tallinn with three siblings, Tomberg emigrated to the UK at the age of 17 to study International Business Management, graduating from Oxford Brookes University after three years.<\/p>\r\n<p>During this time, he played with the idea of setting up a P2P platform based in Estonia. After gaining numerous business experiences at a young age, he founded the P2P platform that is today known as Bondora, in 2008. To this day, he is the CEO of the platform.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Sign_Up_and_Bonus\"><\/span>Sign Up and Bonus<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>In order to invest at Bondora, investors must be at least 18 years old and also have a residence in the European Union, Norway or Switzerland.<\/p>\r\n<p>Overall, the registration process is very intuitive and takes only a few minutes. Here are the step-by-step instructions:<\/p>\r\n<ul>\r\n<li>Click on the green button &#8220;Register now&#8221; on the homepage.<\/li>\r\n<li>Enter your email, name and mobile phone number.<\/li>\r\n<li>Verify the email in your mailbox.<\/li>\r\n<li>Log in with email and password.<\/li>\r\n<li>Enter personal data (name, address, phone number).<\/li>\r\n<li>Complete AML and KYC questionaires.<\/li>\r\n<li>Verify your identity.<\/li>\r\n<\/ul>\r\n<h3><span style=\"color: revert; font-size: 1.5rem; font-weight: revert; font-family: var(--text-font);\">Bondora Bonus<\/span><\/h3>\r\n<p><span style=\"color: #000000; font-size: inherit; font-family: var(--text-font);\">If you want to invest on Bondora, you will receive a EUR 5 welcome bonus if you register via<\/span><strong style=\"color: #000000; font-size: inherit; font-family: var(--text-font);\"> <a href=\"https:\/\/bit.ly\/rethinkp2p-en-bondora\" target=\"_blank\" rel=\"noopener\">this link<\/a><\/strong><span style=\"color: #000000; font-size: inherit; font-family: var(--text-font);\">. A platform overview with all bonus offers and cashback promotions can be found on the <a href=\"https:\/\/rethink-p2p.de\/en\/bonus\/\" target=\"_blank\" rel=\"noopener\"><strong>bonus page<\/strong><\/a>.<\/span><\/p>\r\n<h3>Bondora Forum<\/h3>\r\n<p>The P2P lending industry is a fast-moving environment. Hence, make sure to stay on top of all relevant information by subscribing to my channels on <a href=\"https:\/\/bit.ly\/rethinkp2p-en-telegram\" target=\"_blank\" rel=\"noopener\"><strong>Telegram<\/strong><\/a> or <a href=\"https:\/\/bit.ly\/rethinkp2p-en-whatsapp\" target=\"_blank\" rel=\"noopener\"><strong>WhatsApp<\/strong><\/a>. This way, you will always receive the latest information from the P2P industry, including platform news regarding Bondora.\u00a0<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Investing_on_Bondora\"><\/span>Investing on Bondora<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>How does Bondora work and what should investors know and consider when investing on the plaform? In the following sections of my Bondora review you will find all the necessary information that you need.<\/p>\r\n<h3>Loan Offering<\/h3>\r\n<p>Bondora offers investments in private and unsecured consumer loans from Estonia, Finland, Spain and the Netherlands on its platform. In the course of expansion, further borrower countries from the European economic area are to be added in the future.<\/p>\r\n<p>In terms of borrowers, Bondora focuses on people with medium incomes who need a loan of between EUR 500 and EUR 10,000, with a term of three to 60 months. The average loan amount on Bondora is around EUR 2,800.<\/p>\r\n<p>As there is no classic auto invest function on Bondora, investors have no influence on the loan selection. This lack of transparency means that Bondora Go &amp; Grow and Bondora Go &amp; Grow Unlimited have a kind of black box character.<\/p>\r\n<h3>Costs and Fees<\/h3>\r\n<p>The registration at Bondora is free of charge. There are also no fees that apply for using the platform.<\/p>\r\n<p>The only exception is a EUR 1 withdrawal fee when withdrawing funds from Bondora Go &amp; Grow \/ Go &amp; Grow Unlimited.<\/p>\r\n<h3>Expected Returns<\/h3>\r\n<p>Throughout the long history of Bondora, various products have been offered on the platform that have allowed investors to achieve a wide range of possible returns. These included the two Portfolio Builder products (Portfolio Manager and Portfolio Pro), which were discontinued in February 2023. Investing via the API was also discontinued in September 2025, at the same time as the secondary market was shut down.<\/p>\r\n<p>Currently, investors on Bondora only have the option to invest in the product <a href=\"https:\/\/rethink-p2p.de\/en\/bondora-go-and-grow-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Bondora Go &amp; Grow<\/strong><\/a>. This product advertises an annual return of 6%, with interest accruing on a daily basis.<\/p>\r\n<p>Investors should note that the interest rate of Bondora Go &amp; Grow can be adjusted at any time. From April 2018 to April 2025, the expected return was 6.75%. Since then, it has been reduced to 6%. The advertised return is subject to general investment risks and is therefore not guaranteed.<\/p>\r\n<h3><strong>Bondora Go &amp; Grow<\/strong><\/h3>\r\n<p>In April 2018, Bondora Go &amp; Grow was launched by the Estonian P2P platform. Go &amp; Grow advertises a fixed interest rate of 6%, simple handling and daily liquidity. Hence, the one-click-solution product is among the most popular investment opportunities for European P2P investors.<\/p>\r\n<p>In recent years, I have published numerous articles and videos about Bondora Go &amp; Grow. You can find a detailed <a href=\"https:\/\/rethink-p2p.de\/en\/bondora-go-and-grow-review\/\"><strong>Bondora Go &amp; Grow review<\/strong><\/a> on my blog for further information.<\/p>\r\n<h3>Go &amp; Grow Unlimited<\/h3>\r\n<p>Bondora announced the launch of Go &amp; Grow Unlimited on 06.04.2022. This product is structured the same way as the classic Bondora Go &amp; Grow product, but with two major differences: There is no monthly deposit limit and the interest rate is 4% p.a.<\/p>\r\n<p>Originally, the interest rate was only 2%. However, due to a lack of demand, the platform has raised the interest rate to 4%. According to Bondora CEO P\u00e4rtel Tomberg (June 2024), only around 10% of the funds on Bondora are invested in Go &amp; Grow Unlimited.<\/p>\r\n<h3>Bondora Limit<\/h3>\r\n<p>In the past, Bondora has frequently adjusted the monthly limit for possible deposits. After the corona-virus pandemic, this limit was adjusted to EUR 1,000 per month for Go &amp; Grow (September 2020) and later even to EUR 400 per month (December 2020). The current monthly deposit limit is at EUR 1,000 per month.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Bondora-Go-and-Grow-Limit-Einzahlungen-2024.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-19188 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Bondora-Go-and-Grow-Limit-Einzahlungen-2024.png\" alt=\"Bondora-Go-and-Grow-Limit-Deposit-2024\" width=\"1000\" height=\"526\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Bondora-Go-and-Grow-Limit-Einzahlungen-2024.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Bondora-Go-and-Grow-Limit-Einzahlungen-2024-300x158.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Bondora-Go-and-Grow-Limit-Einzahlungen-2024-768x404.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/526;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-19188\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Bondora-Go-and-Grow-Limit-Einzahlungen-2024.png\" alt=\"Bondora-Go-and-Grow-Limit-Deposit-2024\" width=\"1000\" height=\"526\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Bondora-Go-and-Grow-Limit-Einzahlungen-2024.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Bondora-Go-and-Grow-Limit-Einzahlungen-2024-300x158.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Bondora-Go-and-Grow-Limit-Einzahlungen-2024-768x404.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Bondora_Taxes\"><\/span><strong>Bondora Taxes<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>In general, interest income generated by loan financing is considered investment income and thus must be declared as such in the tax declaration.\u00a0<\/p>\r\n<p>Unlike other platforms, Bondora does not withhold taxes through interest income such as in Latvia or Lithuania.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Bondora_Risks\"><\/span>Bondora Risks<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Bondora is a very crisis-tested company. Since its inception, Bondora has experienced the recessions in their borrower countries Finland and Spain, the Corona pandemic and most recently the war in Ukraine. Last but not least, Bondora is a company that emerged from the financial crisis of 2008. In this regard, the Bondora CEO rightly said:<\/p>\r\n<blockquote>\r\n<p><em>&#8220;Being ready for a crisis is part of the Bondora DNA&#8221;<\/em><\/p>\r\n<\/blockquote>\r\n<p>When considering a P2P platform, investors should take a very close look at the potential risk factors and assess them before making an investment. What should be considered in the specific case of Bondora? What are the risks and how can those be assessed?<\/p>\r\n<h3>Platform Risk<\/h3>\r\n<p>The Bondora platform is operated by the Estonian company &#8220;Bondora Capital O\u00dc&#8221;. Having launched operations in 2008, Bondora is one of the oldest and most experienced P2P platforms in Europe.<\/p>\r\n<p>In its domestic market Estonia, the platform is not subject to any supervision or oversight by a financial authority. There is neither an investor compensation scheme nor any regulatory requirement for compliance or transparency standards.<\/p>\r\n<p>Trust in the platform is therefore a key factor. On the shareholder side, the focus falls on CEO and owner P\u00e4rtel Tomberg, whose background and profile are covered in shareholders and management section.<\/p>\r\n<p>What speaks in favour of Bondora is its long track record since 2008 and its consistently profitable business development. Financial reports are regularly audited by KPMG, which provides additional credibility to the financial figures.<\/p>\r\n<h4>Segregation of Funds and Deposit Protection<\/h4>\r\n<p>Investor funds at Bondora are held in segregated client accounts with AS LHV Pank, a subsidiary of Estonia&#8217;s largest domestic financial institution. Funds are therefore kept separate from the platform&#8217;s own operating funds.<\/p>\r\n<p>Unlike traditional bank deposits, there is no entitlement to compensation through a deposit guarantee scheme. Investors should therefore be aware that invested capital is subject to a real risk of loss, that returns are not guaranteed and that it may not be possible to recover the full amount invested.<\/p>\r\n<h4>Bondora in Crisis Situations<\/h4>\r\n<p>In the past, Bondora has had to navigate several crisis situations, including the COVID-19 pandemic and the war in Ukraine.<\/p>\r\n<p><strong>COVID-19 Pandemic:<\/strong> Bondora responded early to the outbreak of the pandemic by significantly reducing new loan issuance. In Spain and Finland, lending activities were even suspended entirely for several months. This conservative approach proved financially beneficial: In 2020, Bondora reported a net profit of EUR 3.4 million, making it the strongest financial year in the platform\u2019s history at that time.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-Krieg-Ukraine-Russland.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-21643 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-Krieg-Ukraine-Russland.png\" alt=\"Bondora-Review-War-Ukraine-Russia\" width=\"400\" height=\"234\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-Krieg-Ukraine-Russland.png 749w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-Krieg-Ukraine-Russland-300x176.png 300w\" data-sizes=\"(max-width: 400px) 100vw, 400px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 400px; --smush-placeholder-aspect-ratio: 400\/234;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-21643\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-Krieg-Ukraine-Russland.png\" alt=\"Bondora-Review-War-Ukraine-Russia\" width=\"400\" height=\"234\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-Krieg-Ukraine-Russland.png 749w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-Krieg-Ukraine-Russland-300x176.png 300w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/noscript><\/a>From an operational perspective, Bondora Go &amp; Grow experienced liquidity constraints for approximately two and a half months. Due to insufficient cash reserves, partial withdrawals were temporarily introduced. As a consequence, Bondora later implemented a monthly deposit limit for Go &amp; Grow in order to better balance supply and demand.<\/p>\r\n<p><strong>War in Ukraine:<\/strong> Since Bondora\u2019s lending markets are located outside the affected war zone, the conflict had no direct impact on the platform. According to Bondora, there were no operational disruptions related to the war in Ukraine at any point.<\/p>\r\n<hr \/>\r\n<h3><strong>Financial Stability<\/strong><\/h3>\r\n<p>The financial stability of a P2P platform is a key risk factor. Is Bondora already able to operate profitably? And what conclusions can be drawn from the balance sheet?<\/p>\r\n\t<div class=\"rtp-quellenbox\">\n\t\t<div class=\"rtp-grid\">\n\n\t\t\t\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-blue\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 17V3\"\/><path d=\"m6 11 6 6 6-6\"\/><path d=\"M19 21H5\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Annual Report<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">\n\t\t\t\t\t\t<a class=\"rtp-link\" href=\"https:\/\/help.goandgrow.eu\/hc\/en-us\/article_attachments\/25898471904914\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\tBondora Group AS \u2013 Gesch\u00e4ftsbericht 2024\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"rtp-vdivider\"><\/div>\n\n\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-green\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10\"\/><path d=\"m9 12 2 2 4-4\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Auditor: KPMG Baltics<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">Established and independent audit firm (Top 10 worldwide).<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"rtp-vdivider\"><\/div>\n\n\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-green\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"m9 12 2 2 4-4\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Standard: IFRS<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">Internationally recognised standard. Transparent and comparable.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<style>\n\t.rtp-quellenbox {\n\t\tbackground: #F8F8F6;\n\t\tborder: 1px solid #e5e5e5;\n\t\tborder-radius: 12px;\n\t\tpadding: 20px 24px;\n\t\twidth: 100%;\n\t\tbox-sizing: border-box;\n\t\tfont-family: -apple-system, BlinkMacSystemFont, \"Segoe UI\", Roboto, sans-serif;\n\t\tmargin: 1.5rem 0;\n\t\tbox-shadow: 0 2px 8px rgba(0, 0, 0, 0.06);\n\t}\n\t.rtp-grid {\n\t\tdisplay: flex;\n\t\talign-items: stretch;\n\t}\n\t.rtp-col {\n\t\tdisplay: flex;\n\t\talign-items: flex-start;\n\t\tgap: 12px;\n\t\tflex: 1;\n\t\tpadding: 0 20px;\n\t}\n\t.rtp-col .rtp-content {\n\t\tpadding-top: 0;\n\t\tmargin-top: 0;\n\t}\n\t.rtp-col .rtp-content p:first-child,\n\t.rtp-col .rtp-content a:first-child {\n\t\tmargin-top: 0;\n\t\tpadding-top: 0;\n\t}\n\t.rtp-col:first-child { padding-left: 0; }\n\t.rtp-col:last-child  { padding-right: 0; }\n\t.rtp-vdivider {\n\t\twidth: 1px;\n\t\tbackground: #e5e5e5;\n\t\tflex-shrink: 0;\n\t}\n\t.rtp-icon {\n\t\twidth: 36px;\n\t\theight: 36px;\n\t\tborder-radius: 8px;\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tjustify-content: center;\n\t\tflex-shrink: 0;\n\t\talign-self: flex-start;\n\t}\n\t.rtp-blue   { background: #E6F1FB; color: #185FA5; }\n\t.rtp-green  { background: #C0DD97; color: #27500A; }\n\t.rtp-yellow { background: #FAEEDA; color: #854F0B; }\n\t.rtp-red    { background: #FCEBEB; color: #A32D2D; }\n\t.rtp-gray   { background: #F1EFE8; color: #5F5E5A; }\n\t.rtp-quellenbox .rtp-label {\n\t\tfont-size: 13px;\n\t\tfont-weight: 600;\n\t\tcolor: #111111;\n\t\tmargin: 0 0 3px 0 !important;\n\t\tpadding: 0 !important;\n\t\tline-height: 1.4;\n\t}\n\t.rtp-quellenbox .rtp-desc {\n\t\tfont-size: 12px;\n\t\tcolor: #666666;\n\t\tmargin: 0;\n\t\tline-height: 1.4;\n\t\tmargin-top: 3px;\n\t}\n\t.rtp-quellenbox .rtp-link {\n\t\tfont-size: 12px;\n\t\tfont-weight: 500;\n\t\tcolor: #185FA5;\n\t\ttext-decoration: none;\n\t\tdisplay: inline-block;\n\t\tline-height: 1.4;\n\t}\n\t.rtp-quellenbox .rtp-link:hover { text-decoration: underline; }\n\n\t\/* Mobile: untereinander *\/\n\t@media (max-width: 640px) {\n\t\t.rtp-grid        { flex-direction: column; gap: 12px; }\n\t\t.rtp-col         { padding: 0; }\n\t\t.rtp-vdivider    { width: 100%; height: 1px; }\n\t}\n\t<\/style>\n\t\r\n<p>The following figures are based on the Bondora Group annual report for 2024. The report was prepared by KPMG Baltics and audited in accordance with IFRS standards. The figures therefore carry a certain degree of credibility.<\/p>\r\n<h4>Profitability<\/h4>\r\n<p>Is Bondora profitable? Yes, the parent company &#8220;Bondora Group AS&#8221; has consistently achieved profitable results since the 2017 financial year.\u00a0<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Erfahrungen-Profitabilitat-Bondora-Review-Profitability-Bondora-Opiniones-Rentabilidad-Bondora-Avis-2025.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-26965 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Erfahrungen-Profitabilitat-Bondora-Review-Profitability-Bondora-Opiniones-Rentabilidad-Bondora-Avis-2025.png\" alt=\"Bondora-Review-Profitability\" width=\"2000\" height=\"924\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Erfahrungen-Profitabilitat-Bondora-Review-Profitability-Bondora-Opiniones-Rentabilidad-Bondora-Avis-2025.png 2000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Erfahrungen-Profitabilitat-Bondora-Review-Profitability-Bondora-Opiniones-Rentabilidad-Bondora-Avis-2025-300x139.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Erfahrungen-Profitabilitat-Bondora-Review-Profitability-Bondora-Opiniones-Rentabilidad-Bondora-Avis-2025-1024x473.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Erfahrungen-Profitabilitat-Bondora-Review-Profitability-Bondora-Opiniones-Rentabilidad-Bondora-Avis-2025-768x355.png 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Erfahrungen-Profitabilitat-Bondora-Review-Profitability-Bondora-Opiniones-Rentabilidad-Bondora-Avis-2025-1536x710.png 1536w\" data-sizes=\"(max-width: 2000px) 100vw, 2000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 2000px; --smush-placeholder-aspect-ratio: 2000\/924;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-26965\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Erfahrungen-Profitabilitat-Bondora-Review-Profitability-Bondora-Opiniones-Rentabilidad-Bondora-Avis-2025.png\" alt=\"Bondora-Review-Profitability\" width=\"2000\" height=\"924\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Erfahrungen-Profitabilitat-Bondora-Review-Profitability-Bondora-Opiniones-Rentabilidad-Bondora-Avis-2025.png 2000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Erfahrungen-Profitabilitat-Bondora-Review-Profitability-Bondora-Opiniones-Rentabilidad-Bondora-Avis-2025-300x139.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Erfahrungen-Profitabilitat-Bondora-Review-Profitability-Bondora-Opiniones-Rentabilidad-Bondora-Avis-2025-1024x473.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Erfahrungen-Profitabilitat-Bondora-Review-Profitability-Bondora-Opiniones-Rentabilidad-Bondora-Avis-2025-768x355.png 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Erfahrungen-Profitabilitat-Bondora-Review-Profitability-Bondora-Opiniones-Rentabilidad-Bondora-Avis-2025-1536x710.png 1536w\" sizes=\"(max-width: 2000px) 100vw, 2000px\" \/><\/noscript><\/a><\/p>\r\n<p>In its most recently published annual report, Bondora reported a consolidated profit of EUR 1.2 million. Bondora&#8217;s financial stability is a major advantage compared to many other P2P platforms.<\/p>\r\n<h4>Balance Sheet<\/h4>\r\n<p>Bondora\u2019s balance sheet is also extremely clean and solid.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Erfahrungen-Bilanz-Bondora-Review-Balance-Sheet-Bondora-Opiniones-Bilan-Bondora-Avis-2025.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-26969 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Erfahrungen-Bilanz-Bondora-Review-Balance-Sheet-Bondora-Opiniones-Bilan-Bondora-Avis-2025.png\" alt=\"Bondora-Review-Balance-Sheet\" width=\"1180\" height=\"394\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Erfahrungen-Bilanz-Bondora-Review-Balance-Sheet-Bondora-Opiniones-Bilan-Bondora-Avis-2025.png 1180w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Erfahrungen-Bilanz-Bondora-Review-Balance-Sheet-Bondora-Opiniones-Bilan-Bondora-Avis-2025-300x100.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Erfahrungen-Bilanz-Bondora-Review-Balance-Sheet-Bondora-Opiniones-Bilan-Bondora-Avis-2025-1024x342.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Erfahrungen-Bilanz-Bondora-Review-Balance-Sheet-Bondora-Opiniones-Bilan-Bondora-Avis-2025-768x256.png 768w\" data-sizes=\"(max-width: 1180px) 100vw, 1180px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1180px; --smush-placeholder-aspect-ratio: 1180\/394;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-26969\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Erfahrungen-Bilanz-Bondora-Review-Balance-Sheet-Bondora-Opiniones-Bilan-Bondora-Avis-2025.png\" alt=\"Bondora-Review-Balance-Sheet\" width=\"1180\" height=\"394\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Erfahrungen-Bilanz-Bondora-Review-Balance-Sheet-Bondora-Opiniones-Bilan-Bondora-Avis-2025.png 1180w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Erfahrungen-Bilanz-Bondora-Review-Balance-Sheet-Bondora-Opiniones-Bilan-Bondora-Avis-2025-300x100.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Erfahrungen-Bilanz-Bondora-Review-Balance-Sheet-Bondora-Opiniones-Bilan-Bondora-Avis-2025-1024x342.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Bondora-Erfahrungen-Bilanz-Bondora-Review-Balance-Sheet-Bondora-Opiniones-Bilan-Bondora-Avis-2025-768x256.png 768w\" sizes=\"(max-width: 1180px) 100vw, 1180px\" \/><\/noscript><\/a><\/p>\r\n<p>The equity ratio stands at a strong 71%, and the debt ratio (0.40) has remained consistently low over the past years. The liquidity ratio of 3.45 is also impressive. From a financial perspective, Bondora is therefore a very well-positioned company.<\/p>\r\n<hr \/>\r\n<h3>Lender Risk<\/h3>\r\n<p>In contrast to the P2P platform, all lenders represented in Europe are subject to the licensing requirements for lending in the respective countries. This means that Bondora&#8217;s lenders must fulfil a certain standard of compliance.<\/p>\r\n<p>However, it is problematic that Bondora does not share any information on the performance of the loan portfolio. Although a few key figures can be found in the general statistics, these relate to the overall performance since 2008. However, there is no detailed report for Bondora Go &amp; Grow, which was launched in 2018.<\/p>\r\n<p>Because Bondora&#8217;s overall performance has been below the Go &amp; Grow return of 6% for some time now, the question of the sustainability of the advertised return remains unclear. Therefore, I initiated a request for more transparency regarding the portfolio quality of Go &amp; Grow, which was rejected by Bondora.\u00a0<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Review-Transparency.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-15013 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Review-Transparency.png\" alt=\"Bondora-Review-Transparency\" width=\"900\" height=\"588\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Review-Transparency.png 900w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Review-Transparency-300x196.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Review-Transparency-768x502.png 768w\" data-sizes=\"(max-width: 900px) 100vw, 900px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 900px; --smush-placeholder-aspect-ratio: 900\/588;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-15013\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Review-Transparency.png\" alt=\"Bondora-Review-Transparency\" width=\"900\" height=\"588\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Review-Transparency.png 900w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Review-Transparency-300x196.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Bondora-Review-Transparency-768x502.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/noscript><\/a><\/p>\r\n<h3 data-start=\"57\" data-end=\"91\"><strong data-start=\"57\" data-end=\"91\">Recoveries and Debt Collection<\/strong><\/h3>\r\n<p data-start=\"93\" data-end=\"148\">The recovery process at Bondora consists of four steps:<\/p>\r\n<ul>\r\n<li><strong>Step 1: Internal Debt Collection.<\/strong> Internal debt collection begins even before the official payment default, which helps to prevent immediate defaults in up to 97% of cases.<\/li>\r\n<li><strong style=\"font-size: 1.125rem;\">Step 2: Debt Collection Agency.<\/strong><span style=\"font-size: 1.125rem;\"> If the loan has been overdue for 90 days, the contract is terminated and handed over to a debt collection agency.<\/span><\/li>\r\n<li><strong style=\"font-size: 1.125rem;\">Step 3: Court Proceedings.<\/strong><span style=\"font-size: 1.125rem;\"> As a last resort, the case is taken to court. The timeline varies by country, but on average, a court decision is reached within two to six months.<\/span><\/li>\r\n<li><strong style=\"font-size: 1.125rem;\">Step 4: Bailiff Enforcement.<\/strong><span style=\"font-size: 1.125rem;\"> Once a court ruling has been issued, the case is passed on to a local bailiff. Bondora receives regular updates to monitor the progress.<\/span><\/li>\r\n<\/ul>\r\n<p data-start=\"832\" data-end=\"1044\">According to Bondora, about 31% to 54% of the defaulted principal is recovered within three years, depending on the country. On average, the amount recovered from a defaulted EUR 1,000 loan is between EUR 667 and EUR 689.<\/p>\r\n<p data-start=\"1046\" data-end=\"1432\">In July 2025, Bondora published a breakdown of the currently defaulted loans and which phase of the recovery process they are in. In established markets like Estonia and Finland, 54% and 66% of loans, respectively, have already reached the bailiff stage, meaning the final step in the collection process. In the Netherlands, a newer market, 75% of the loans are still with the debt collection agency.<\/p>\r\n<p data-start=\"1046\" data-end=\"1432\"><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Bondora-Review-P2P-Debt-Collection-Bondora-Opiniones-Recobro-Bondora-Avis-Recuperation.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-28278 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Bondora-Review-P2P-Debt-Collection-Bondora-Opiniones-Recobro-Bondora-Avis-Recuperation.png\" alt=\"\/Bondora-Review-P2P-Debt-Collection\" width=\"1000\" height=\"239\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Bondora-Review-P2P-Debt-Collection-Bondora-Opiniones-Recobro-Bondora-Avis-Recuperation.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Bondora-Review-P2P-Debt-Collection-Bondora-Opiniones-Recobro-Bondora-Avis-Recuperation-300x72.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Bondora-Review-P2P-Debt-Collection-Bondora-Opiniones-Recobro-Bondora-Avis-Recuperation-768x184.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/239;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-28278\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Bondora-Review-P2P-Debt-Collection-Bondora-Opiniones-Recobro-Bondora-Avis-Recuperation.png\" alt=\"\/Bondora-Review-P2P-Debt-Collection\" width=\"1000\" height=\"239\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Bondora-Review-P2P-Debt-Collection-Bondora-Opiniones-Recobro-Bondora-Avis-Recuperation.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Bondora-Review-P2P-Debt-Collection-Bondora-Opiniones-Recobro-Bondora-Avis-Recuperation-300x72.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Bondora-Review-P2P-Debt-Collection-Bondora-Opiniones-Recobro-Bondora-Avis-Recuperation-768x184.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p data-start=\"1434\" data-end=\"1698\">Recovery prospects are considered particularly low in Estonia, where 23% of defaulted loans are classified as unlikely to be recovered. In contrast, the outlook is much more optimistic in Latvia, where only 3% of loans are seen as unlikely to be recovered.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Advantages_and_Disadvantages\"><\/span><strong>Advantages and Disadvantages<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>In this section I have listed the most important advantages and disadvantages of Bondora.<\/p>\r\n\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#ffffff;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"background:#f7f7f7;padding:14px 20px;border-bottom:1px solid #e0e0e0;\">\n        <div style=\"display:flex;align-items:center;gap:10px;\">\n          <div style=\"width:4px;height:20px;background:#0aad27;border-radius:2px;flex-shrink:0;\"><\/div>\n          <span style=\"font-weight:700;\">Advantages<\/span>\n        <\/div>\n      <\/div>\n      <div style=\"padding:12px 20px 16px;\">\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:none;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Track Record:<\/strong> Operational since 2008<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Transparency:<\/strong> Audited financial statements are published on a regular basis<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Auto Invest:<\/strong> Automated investment option available<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Go &amp; Grow:<\/strong> Fixed returns, ease of use and high liquidity<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Liquidity:<\/strong> Daily liquidity via Bondora Go &amp; Grow can generally be maintained<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Profitability:<\/strong> Platform operates on a profitable level<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Market Size:<\/strong> More than EUR 100 million in assets under management<\/span>\n    <\/div>\r\n<\/div>\n    <\/div>\r\n\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#ffffff;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"background:#f7f7f7;padding:14px 20px;border-bottom:1px solid #e0e0e0;\">\n        <div style=\"display:flex;align-items:center;gap:10px;\">\n          <div style=\"width:4px;height:20px;background:#cc3300;border-radius:2px;flex-shrink:0;\"><\/div>\n          <span style=\"font-weight:700;\">Disadvantages<\/span>\n        <\/div>\n      <\/div>\n      <div style=\"padding:12px 20px 16px;\">\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:none;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Regulation:<\/strong> No investment license or control by a financial supervisory authority<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Losses:<\/strong> Investors have already incurred capital losses on the platform<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Returns:<\/strong> No competitive interest rates in the P2P lending market<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Costs:<\/strong> Fees or costs applicable for investors<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Black Box:<\/strong> No public performance metrics for the loan portfolio available<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Security:<\/strong> No guarantee or investment protection<\/span>\n    <\/div>\r\n<\/div>\n    <\/div>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Summary_Bondora_Review\"><\/span><strong>Summary Bondora Review<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-P2P-Kredite-Reise-2024.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-21505 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-P2P-Kredite-Reise-2024.png\" alt=\"Bondora-Review-P2P-Trip-2024\" width=\"500\" height=\"500\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-P2P-Kredite-Reise-2024.png 600w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-P2P-Kredite-Reise-2024-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-P2P-Kredite-Reise-2024-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-P2P-Kredite-Reise-2024-70x70.png 70w\" data-sizes=\"(max-width: 500px) 100vw, 500px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 500px; --smush-placeholder-aspect-ratio: 500\/500;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-21505\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-P2P-Kredite-Reise-2024.png\" alt=\"Bondora-Review-P2P-Trip-2024\" width=\"500\" height=\"500\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-P2P-Kredite-Reise-2024.png 600w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-P2P-Kredite-Reise-2024-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-P2P-Kredite-Reise-2024-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Bondora-Erfahrungen-P2P-Kredite-Reise-2024-70x70.png 70w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/noscript><\/a><\/p>\r\n<p>What is the final conclusion of this Bondora review?<\/p>\r\n<p>Bondora is one of the biggest and most experienced P2P platforms in Europe. This is reflected in its market presence since 2008, as well as a managed portfolio of more than EUR 500 million from over 500,000 registered investors.<\/p>\r\n<p>Another argument in favor of Bondora is its financial stability. Since 2017, Bondora Group AS has consistently been profitable, while its balance sheet metrics rank among the strongest in the entire P2P market.<\/p>\r\n<p>With Go &amp; Grow, Bondora introduced a product in 2018 that set new standards in terms of simplicity and high liquidity. As a result, the product is attractive both for new and less experienced investors who want to start investing in P2P loans quickly and easily, as well as for investors who place a strong emphasis on liquidity.<\/p>\r\n<p>With the exception of a three-month period following the outbreak of the Covid-19 pandemic, daily liquidity has consistently been maintained since 2018. Despite this strong track record, it is clear that liquidity may become restricted in exceptional situations.<\/p>\r\n<p>Beyond liquidity, investors should also consider the associated risks related to transparency and returns, which were discussed in detail in this Bondora review. Investors with a long-term investment horizon may find stronger alternatives in the P2P lending market in terms of expected returns and investor protection.<\/p>\r\n<p>Personally, I have been using Bondora Go &amp; Grow since June 2018 for the short-term and liquidty intended portion of my P2P portfolio. By early 2026, I have earned more than EUR 6,000 in interest through Go &amp; Grow.\u00a0<\/p>\r\n<div class=\"su-button-center\"><a href=\"https:\/\/bit.ly\/rethinkp2p-en-bondora\" class=\"su-button su-button-style-default\" style=\"color:#ffffff;background-color:#0aad27;border-color:#088b20;border-radius:8px\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color:#ffffff;padding:7px 22px;font-size:17px;line-height:26px;border-color:#54c668;border-radius:8px;text-shadow:0px 0px 0px #000000\"><i class=\"sui sui-check-circle\" style=\"font-size:17px;color:#FFFFFF\"><\/i> <strong>Sign Up on Bondora (5 Euro Bonus)<\/strong><\/span><\/a><\/div>\r\n<hr \/>\r\n<h3>Bondora Alternatives<\/h3>\r\n<p>Already invested in Bondora? Or looking for similar platforms? Here are three Bondora alternatives from the P2P market.<\/p>\r\n<p><strong>Monefit SmartSaver:<\/strong> An investment product of the Creditstar Group. Headquartered in Estonia and conceptually very similar to Bondora Go &amp; Grow. Investors benefit from daily liquidity and a fixed interest rate, without having to actively select individual loans. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/monefit-smartsaver-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Monefit SmartSaver review<\/strong><\/a>.<\/p>\r\n<p><strong>TWINO:<\/strong> A regulated P2P marketplace from Latvia with a focus on financing unsecured consumer loans from Poland. Similar to Bondora, the platform is backed by its own parent company with long-standing experience in the lending business. TWINO targets investors that are looking for both liquidity and competitive interest rates. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/twino-review\/\" target=\"_blank\" rel=\"noopener\"><strong>TWINO review<\/strong><\/a>.<\/p>\r\n<p><strong>Mintos:<\/strong> The largest P2P platform in Europe with assets under management of 800+ million euros. Unlike Bondora, Mintos offers access to a wide range of international loan originators and asset classes, including loans, ETFs and bonds. A good fit for investors that are looking for more control and diversification beyond Bondora Go &amp; Grow. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/mintos-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Mintos review<\/strong><\/a>.<\/p>\r\n<p>A detailed breakdown can be found in my article with the best <a href=\"https:\/\/rethink-p2p.de\/en\/bondora-alternatives\/\" target=\"_blank\" rel=\"noopener\"><strong>Bondora Alternatives (2026)<\/strong><\/a>. Additional Bondora alternatives can be found on the <a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-comparison\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>P2P Platform Comparison<\/strong><\/a> page.<\/p>\r\n<hr \/>\r\n<div class=\"su-tabs su-tabs-style-default su-tabs-mobile-stack\" data-active=\"1\" data-scroll-offset=\"0\" data-anchor-in-url=\"no\"><div class=\"su-tabs-nav\"><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>Affiliate Links \/ Conflict of Interest<\/strong><\/span><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>Disclaimer<\/strong><\/span><\/div><div class=\"su-tabs-panes\"><div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;Affiliate Links \/ Conflict of Interest&lt;\/strong&gt;\">This article contains affiliate links. If you register and\/or invest through one of these links, the operator receives a commission. The compensation has no influence on the opinion or the evaluation of the platform. Potential conflicts of interest can be looked up on the \u201c<a href=\"https:\/\/rethink-p2p.de\/en\/p2p-portfolio\/\" target=\"_blank\" rel=\"noopener\"><strong>P2P Portfolio<\/strong><\/a>\u201d page.<\/div>\n<div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;Disclaimer&lt;\/strong&gt;\">Investments in P2P loans involve risks and may result in the complete loss of the invested capital. Past performance is not a reliable indicator of future developments. The following content is provided for informational purposes only and does not constitute investment advice. Despite careful research, no guarantee is given for the accuracy, completeness, or timeliness of the information provided. No liability is accepted for any financial losses or investment decisions made based on the information presented here. For more details, see the full <a href=\"https:\/\/rethink-p2p.de\/en\/disclaimer\/\" target=\"_blank\" rel=\"noopener\"><strong>disclaimer<\/strong><\/a>.<\/div><\/div><\/div>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"FAQ_Bondora_Review\"><\/span>FAQ Bondora Review<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n<div class=\"schema-faq wp-block-yoast-faq-block\">\r\n<div id=\"faq-question-1650022316351\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 What is Bondora?<\/strong>\r\n<p class=\"schema-faq-answer\">Bondora is an Estonian P2P platform founded in 2008, making it one of the oldest in Europe. Investors can currently only invest in Bondora Go &amp; Grow, earning a 6% return with daily liquidity.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1650022463052\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Is Bondora regulated?<\/strong>\r\n<p class=\"schema-faq-answer\">No. Bondora is not supervised by any financial or regulatory authority. There is also no deposit protection scheme. Trust in the platform rests on its long track record since 2008 and consistently profitable results since 2017.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1681583493672\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 What returns can I expect from Bondora?<\/strong>\r\n<p class=\"schema-faq-answer\">Currently only 6% p.a. via Bondora Go &amp; Grow, with daily interest accrual and daily liquidity. The interest rate can be adjusted by Bondora at any time and is not guaranteed.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1650022544114\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Does Bondora offer a buyback guarantee or a secondary market?<\/strong>\r\n<p class=\"schema-faq-answer\">Bondora does not offer a buyback guarantee. The secondary market was closed on September 30, 2025.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1775038601882\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\"><strong>\u2705 Is there a bonus for signing up with Bondora?<\/strong><\/strong>\r\n<p class=\"schema-faq-answer\">Yes. New investors registering via my partner link receive a \u20ac5 bonus credited directly to their account.<\/p>\r\n<\/div>\r\n<\/div>\r\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":30471,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"template-centered.php","meta":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bondora Review 2026: 6% Return + Daily Availability!<\/title>\n<meta name=\"description\" content=\"ondora Review 2026: 6% Return + Daily Availability! \u2714\ufe0f Comprehensive Bondora Review \u2795 EUR 5 Bonus for New Investors!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rethink-p2p.de\/en\/bondora-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bondora Review 2026: 6% Return + Daily Availability!\" \/>\n<meta property=\"og:description\" content=\"ondora Review 2026: 6% Return + Daily Availability! 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